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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,811 | $106,749-40.2% | $145,433-56.1% | $82,448-22.6% |
| Participation rate | 96.8% | 75.6%+21.1pp | 82.1%+14.7pp | 68.1%+28.7pp |
| Annual return | 22.35% | 27.59%-5.2pp | 66.58%-44.2pp | 41.64%-19.3pp |
| Employer contribution / active EE | $6,661 | $3,444+93.4% | $4,554+46.3% | $2,551+161.1% |
| Participant deferral / active EE | $15,097 | $6,519+131.6% | $7,897+91.2% | $4,139+264.7% |
| Admin fee / account holder | $5,128 | $8,390-38.9% | $13,129-60.9% | $7,234-29.1% |